Improve Credit Score Tips In Austin
Improving Your Credit Score isn't difficult when you follow good advice. Foremost, your letter to the credit bureaus disputing your bad credit needs to get to the point quickly. Don't cite the constitution or threaten them with a lawsuit. Instead of playing at law, just present a simple case that includes these three points:
- Number 3 - What specific results you are seeking
- Number 2 - Why you are disputing it
- Number 1 - What exactly you are disputing
Every letter of dispute must contain these three points. Here is an example of such a letter: Below is an example of a dispute letter that I would write: DO NOT COPY THIS LETTER WORD FOR WORD!!
If the credit bureaus start getting letters that look exactly alike, then they will dismiss them as some frivolous copy from a credit repair course and kick out the dispute. With that in mind, here is my letter to the credit bureaus:
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
- Your Name
- Your Address
- Re: (account and reason for your dispute goes here)
- Your Date Of Birth
- Your Social Security Number
- Please delete. Thank You.
- Dear Credit Bureau Name
Next, pick one of the following 13 reasons for your dispute:
- Inaccurate Remarks
- Original Creditor Not Listed
- Opened/Not Accurate/Inaccurate Terms
- Inaccurate Late Pays
- Account Closed By Consumer
- Creditor Classification
- Account Type Inaccurate
- Obsolete Account
- Account Transferred To Another Lender
- Not Liable For the Account
- Incorrect Date
- Incorrect Account Designation
- Incorrect Balance Being Reported
Good credit scores start with good reasons of dispute like these, no legal mumbo jumbo or plagiarized boiler plate letter that they've seen hundreds of times. This letter has potentially powerful benefits-if the first reason is verified by your dispute letter, then write a second letter citing a different reason on the list. Fixing your credit one piece at a time is simple when you provide a different reason for each account with each credit bureau.
You might have been lured into believing that disputing your account as "not yours" would be the best way. But now you have an arsenal of effective reasons from which to dispute every bad account.
The truth about credit repair is this: Don't spend thousands of dollars on credit courses about credit repair myths. In addition, restoring your bad credit is a secret process within the credit agency system that only a handful of qualified repairmen know. Now that you are informed, it is my hope that you will avoid becoming a victim of false information as you restore your credit. For More Information on credit repair Click the link below and go to our website. Author Bio: Mark Garcia will teach you how to Improve Your Credit Score fast with his FREE Instant Access to a 3 minute video about his own credit repair story. You can also download a special report on the "10 Most Dangerous Mistakes That People Make When Trying To Fix Bad Credit" available at Crushing the Credit Bureaus.
